UVE
VENTE TOTALE: 20 000 titres (~885 364,00 $ US)
- Insiders
- DOWNES SEAN P
- Total bought
- —
- Total sold
- $885,364
- Last activity
- 2026-08-05
- Last synced
-
2026-08-11 09:46:50
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Neutral signal Scored 2026-08-07
UVE demonstrates a compelling operational turnaround with strong profitability metrics (ROE 33.2%, ROIC 26.4%) and a meaningful earnings catalyst — Q2 2026 EPS beat of 28.7% with 49.6% growth — supporting a constructive…
The first sentence of the analysis written for UVE on 2026-08-07 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 38.2% | 13.1% | 13.7% | 5.7% | 10.4% | |
| Ebit Margin | 15.6% | 5.9% | 6.8% | -1.7% | 2.6% | |
| Ebitda Margin | 16.1% | 6.3% | 7.3% | -1.1% | 3.2% | |
| Operating Profit Margin | 15.2% | 5.6% | 6.3% | -2.2% | 2.5% | |
| Pretax Profit Margin | 15.2% | 5.6% | 6.3% | -2.2% | 2.5% | |
| Continuous Operations Profit Margin | 11.5% | 3.9% | 4.8% | -1.8% | 1.8% | |
| Net Profit Margin | 11.5% | 3.9% | 4.8% | -1.8% | 1.8% | |
| Bottom Line Profit Margin | 11.5% | 3.9% | 4.8% | -1.8% | 1.8% | |
| Current Ratio | 0.578 | 2.536 | 1.111 | 1.052 | 1.184 | |
| Quick Ratio | 0.578 | 2.536 | 1.111 | 1.052 | 1.184 | |
| Solvency Ratio | 0.083 | 0.026 | 0.038 | -0.006 | 0.017 | |
| Cash Ratio | 0.190 | 0.409 | 0.221 | 0.159 | 0.165 | |
| Price To Earnings Ratio | 5.152 | 10.174 | 7.134 | -14.708 | 26.154 | |
| Price To Earnings Growth Ratio | 0.024 | -1.341 | -0.017 | 0.070 | 3.138 | |
| Forward Price To Earnings Growth Ratio | 0.024 | -1.341 | -0.017 | 0.070 | 3.138 | |
| Price To Earnings Diluted Ratio | 5.348 | 10.478 | 7.198 | -14.708 | 26.154 | |
| Price To Earnings Diluted Growth Ratio | 0.025 | -1.108 | -0.018 | 0.070 | 3.138 | |
| Price To Book Ratio | 1.708 | 1.608 | 1.397 | 1.131 | 1.235 | |
| Price To Sales Ratio | 0.590 | 0.395 | 0.343 | 0.266 | 0.473 | |
| Price To Free Cash Flow Ratio | 2.497 | 4.617 | 7.120 | 1.019 | 2.336 | |
| Price To Operating Cash Flow Ratio | 2.468 | 4.369 | 6.716 | 1.004 | 2.264 | |
| Debt To Assets Ratio | 0.035 | 0.036 | 0.050 | 0.036 | 0.063 | |
| Debt To Equity Ratio | 0.182 | 0.271 | 0.342 | 0.357 | 0.304 | |
| Debt To Capital Ratio | 0.154 | 0.213 | 0.255 | 0.263 | 0.233 | |
| Long Term Debt To Capital Ratio | 0.154 | 0.211 | 0.230 | 0.263 | 0.194 | |
| Financial Leverage Ratio | 5.153 | 7.614 | 6.788 | 10.039 | 4.785 | |
| Working Capital Turnover Ratio | 46.684 | 2.590 | 8.508 | 6.000 | 8.017 | |
| Operating Cash Flow Ratio | 0.178 | 0.216 | 0.039 | 0.133 | 0.154 | |
| Operating Cash Flow Sales Ratio | 0.239 | 0.090 | 0.051 | 0.265 | 0.209 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.988 | 0.946 | 0.943 | 0.985 | 0.969 | |
| Debt Service Coverage Ratio | 40.654 | 9.782 | 3.916 | -1.533 | 1.021 | |
| Interest Coverage Ratio | 50.304 | 14.669 | 15.172 | -4.613 | 48.820 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 93.377 | 4.862 | 0.000 | 8.759 | |
| Operating Cash Flow Coverage Ratio | 3.797 | 1.357 | 0.609 | 3.158 | 1.797 | |
| Capital Expenditure Coverage Ratio | 85.961 | 18.643 | 17.659 | 66.241 | 32.435 | |
| Dividend Paid And Capex Coverage Ratio | 14.335 | 4.626 | 2.599 | 11.314 | 7.458 | |
| Dividend Payout Ratio | 0.121 | 0.379 | 0.349 | -1.069 | 1.186 | |
| Enterprise Value Multiple | 2.467 | 4.580 | 1.931 | -2.828 | 11.436 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 38.2% | ▲25.1% | ▲22.0% |
| Ebit Margin | 15.6% | ▲9.7% | ▲9.8% |
| Ebitda Margin | 16.1% | ▲9.7% | ▲9.7% |
| Operating Profit Margin | 15.2% | ▲9.7% | ▲9.7% |
| Pretax Profit Margin | 15.2% | ▲9.7% | ▲9.7% |
| Continuous Operations Profit Margin | 11.5% | ▲7.6% | ▲7.4% |
| Net Profit Margin | 11.5% | ▲7.6% | ▲7.4% |
| Bottom Line Profit Margin | 11.5% | ▲7.6% | ▲7.4% |
| Current Ratio | 0.578 | ▼-1.958 | ▼-0.714 |
| Quick Ratio | 0.578 | ▼-1.958 | ▼-0.714 |
| Solvency Ratio | 0.083 | ▲0.057 | ▲0.051 |
| Cash Ratio | 0.191 | ▼-0.218 | ▼-0.038 |
| Price To Earnings Ratio | 5.152 | ▼-5.021 | ▼-1.629 |
| Price To Earnings Growth Ratio | 0.024 | ▲1.364 | ▼-0.351 |
| Forward Price To Earnings Growth Ratio | 0.024 | ▲1.364 | ▼-0.351 |
| Price To Earnings Diluted Ratio | 5.348 | ▼-5.130 | ▼-1.546 |
| Price To Earnings Diluted Growth Ratio | 0.025 | ▲1.133 | ▼-0.397 |
| Price To Book Ratio | 1.708 | ▲0.100 | ▲0.292 |
| Price To Sales Ratio | 0.590 | ▲0.195 | ▲0.177 |
| Price To Free Cash Flow Ratio | 2.497 | ▼-2.120 | ▼-1.021 |
| Price To Operating Cash Flow Ratio | 2.468 | ▼-1.902 | ▼-0.897 |
| Debt To Assets Ratio | 0.035 | ▼-0.000 | ▼-0.009 |
| Debt To Equity Ratio | 0.182 | ▼-0.089 | ▼-0.109 |
| Debt To Capital Ratio | 0.154 | ▼-0.059 | ▼-0.069 |
| Long Term Debt To Capital Ratio | 0.154 | ▼-0.057 | ▼-0.056 |
| Financial Leverage Ratio | 5.153 | ▼-2.460 | ▼-1.722 |
| Working Capital Turnover Ratio | 46.684 | ▲44.094 | ▲32.325 |
| Operating Cash Flow Ratio | 0.178 | ▼-0.039 | ▲0.034 |
| Operating Cash Flow Sales Ratio | 0.239 | ▲0.149 | ▲0.068 |
| Free Cash Flow Operating Cash Flow Ratio | 0.988 | ▲0.042 | ▲0.022 |
| Debt Service Coverage Ratio | 40.654 | ▲30.872 | ▲29.886 |
| Interest Coverage Ratio | 50.304 | ▲35.635 | ▲25.434 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | ▼-93.377 | ▼-21.400 |
| Operating Cash Flow Coverage Ratio | 3.797 | ▲2.440 | ▲1.653 |
| Capital Expenditure Coverage Ratio | 85.961 | ▲67.318 | ▲41.773 |
| Dividend Paid And Capex Coverage Ratio | 14.335 | ▲9.709 | ▲6.269 |
| Dividend Payout Ratio | 0.121 | ▼-0.258 | ▼-0.072 |
| Enterprise Value Multiple | 2.467 | ▼-2.113 | ▼-1.050 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $941.4M | $600.2M | $476.7M | $325.7M | $530.7M | |
| Enterprise value | $633.0M | $442.0M | $196.0M | $39.7M | $410.6M | |
| EV / Sales | 0.40x | 0.29x | 0.14x | 0.03x | 0.37x | |
| EV / Op. cash flow | 1.66x | 3.22x | 2.76x | 0.12x | 1.75x | |
| EV / Free cash flow | 1.68x | 3.40x | 2.93x | 0.12x | 1.81x | |
| EV / EBITDA | 2.47x | 4.58x | 1.93x | -2.83x | 11.44x | |
| Net debt / EBITDA | -1.20x | -1.64x | -2.77x | 20.36x | -3.34x | |
| Current ratio | 0.58x | 2.54x | 1.11x | 1.05x | 1.18x | |
| Income quality | 2.08x | 2.33x | 1.06x | -14.58x | 11.48x | |
| Graham number | $54 | $25 | $24 | — | $14 | |
| Graham net-net | -$53 | -$53 | -$10 | -$18 | -$4 | |
| Tax burden | 75.3% | 69.6% | 75.6% | 81.7% | 71.8% | |
| Interest burden | 97.4% | 93.6% | 93.8% | 127.7% | 98.0% | |
| Working capital | -$906.2M | $974.6M | $199.4M | $127.7M | $279.9M | |
| Invested capital | -$728.3M | $1.14B | $357.0M | $282.8M | $442.4M | |
| Return on assets | 6.4% | 2.1% | 2.9% | -0.8% | 1.0% | |
| Operating ROA | 8.6% | 3.3% | 3.4% | -1.1% | 1.5% | |
| Return on tangible assets | 6.7% | 2.2% | 3.0% | -0.8% | 1.0% | |
| Return on equity | 33.2% | 15.8% | 19.6% | -7.7% | 4.7% | |
| Return on invested capital | 26.4% | 5.5% | 12.5% | -5.0% | 3.6% | |
| Return on capital employed | 35.1% | 3.8% | 17.0% | -6.1% | 5.3% | |
| Earnings yield | 19.4% | 9.8% | 14.0% | -6.8% | 3.8% | |
| Free cash flow yield | 40.1% | 21.7% | 14.0% | 98.1% | 42.8% | |
| Capex / Op. cash flow | 1.2% | 5.4% | 5.7% | 1.5% | 3.1% | |
| Capex / Depreciation | 62.8% | 120.5% | 55.0% | 67.1% | 104.5% | |
| Capex / Sales | 0.3% | 0.5% | 0.3% | 0.4% | 0.6% | |
| SG&A / Sales | 0.0% | 7.1% | 6.9% | 7.4% | 7.8% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.5% | 0.5% | 0.2% | 0.4% | 0.5% | |
| Intangibles / Total assets | 4.5% | 4.3% | 4.7% | 3.6% | 5.3% | |
| Days sales outstanding | 71d | 169d | 78d | 263d | 87d | |
| Days payables outstanding | 95d | 61d | 58d | 122d | 68d | |
| Operating cycle | 71d | 169d | 78d | 263d | 87d | |
| Cash conversion cycle | -25d | 108d | 19d | 141d | 19d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+56.9%EV / Sales ▲+36.5%EV / EBITDA ▼-46.1%EV / Op. cash flow ▼-1.558Earnings yield ▲+0.096Graham number ▲+29.391
Profitability
Return on equity ▲+0.174Return on assets ▲+0.044Return on invested capital ▲+0.209Return on capital employed ▲+0.312Operating ROA ▲+0.053Income quality ▼-0.246Tax burden ▲+0.056
Efficiency
Days sales outstanding ▼-98.763Days payables outstanding ▲+34.352Operating cycle ▼-98.763Cash conversion cycle ▼-133.115Capex / Sales ▼-0.002R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-1.958Net debt / EBITDA ▲+0.437Working capital ▼-1880747000.000Invested capital ▼-1872665000.000Intangibles / Total assets ▲+0.003
Change over 5 years
Valuation
Market cap ▲+77.4%EV / Sales ▲+8.4%EV / EBITDA ▼-78.4%EV / Op. cash flow ▼-0.093Earnings yield ▲+0.156Graham number ▲+39.848
Profitability
Return on equity ▲+0.285Return on assets ▲+0.055Return on invested capital ▲+0.228Return on capital employed ▲+0.298Operating ROA ▲+0.071Income quality ▼-9.400Tax burden ▲+0.034
Efficiency
Days sales outstanding ▼-16.417Days payables outstanding ▲+26.745Operating cycle ▼-16.417Cash conversion cycle ▼-43.161Capex / Sales ▼-0.004R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.606Net debt / EBITDA ▲+2.142Working capital ▼-1186071000.000Invested capital ▼-1170662000.000Intangibles / Total assets ▼-0.008
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-08-10 Universal Insurance (NYSE:UVE) Chairman Sells $885,400.00 in Stock Universal Insurance Holdings Inc (NYSE: UVE - Get Free Report) Chairman Sean Downes sold 20,000 shares of the company''s stock in a transaction dated Wednesday, August 5th. The shares were sold at an average price of $44.27, for a total transaction of $885,400.00. Following the completion of the sale, the chairman directly owned 1,104,645 shares of
- 2026-08-08 Critical Survey: Universal Insurance (NYSE:UVE) versus Neptune Insurance (NYSE:NP) Neptune Insurance (NYSE: NP - Get Free Report) and Universal Insurance (NYSE: UVE - Get Free Report) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their earnings, valuation, dividends, profitability, analyst recommendations, institutional ownership and risk. Insider and Institutional Ownership 66.6% of Universal Insurance
- 2026-08-03 Critical Contrast: Aviva (OTCMKTS:AVVIY) and Universal Insurance (NYSE:UVE) Aviva (OTCMKTS:AVVIY - Get Free Report) and Universal Insurance (NYSE: UVE - Get Free Report) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their dividends, analyst recommendations, profitability, earnings, risk, institutional ownership and valuation. Volatility and Risk Aviva has a beta of 0.84,
- 2026-07-29 Are You Looking for a Top Momentum Pick? Why Universal Insurance Holdings (UVE) is a Great Choice Does Universal Insurance Holdings (UVE) have what it takes to be a top stock pick for momentum investors? Let''s find out.
- 2026-07-28 Are Investors Undervaluing Universal Insurance Holdings (UVE) Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
- 2026-07-28 UNIVERSAL INSURANCE HOLDINGS INC (UVE) Hits Fresh High: Is There Still Room to Run? Universal Insurance (UVE) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company''s fundamentals for clues.
- 2026-07-24 Universal Insurance Q2 Earnings Call Highlights Universal Insurance NYSE: UVE reported higher second-quarter earnings as improved claims trends, premium growth and increased investment income helped lower its net loss ratio and strengthen underwriting results.
- 2026-07-24 Universal Insurance Holdings, Inc. (UVE) Q2 2026 Earnings Call Transcript Universal Insurance Holdings, Inc. (UVE) Q2 2026 Earnings Call Transcript
- 2026-07-24 UVE Q2 Earnings Beat Estimates on Lower Losses and Premium Growth Universal Insurance''s Q2 earnings surged 49.6% as lower losses, premium growth and stronger investment income fueled a 28.7% estimate beat.
- 2026-07-23 Universal Insurance Holdings (UVE) Q2 Earnings and Revenues Beat Estimates Universal Insurance Holdings (UVE) came out with quarterly earnings of $1.84 per share, beating the Zacks Consensus Estimate of $1.43 per share. This compares to earnings of $1.23 per share a year ago.